Seamless transactions

How it works

Whether you’re applying before or after your test drive, it’s just three easy steps to finance your Shift car.

Find a car and select loan terms

On the detail page of the vehicle you’re interested in, click “Apply for financing” and choose your loan terms. Even if you’re just shopping around for rates on similar cars, there’s no obligation to accept any offer.

Browse Shift cars that fit your monthly budget, using these common terms.

$200 per month

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Our partners

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FREQUENTLY ASKED FINANCING QUESTIONS

How is my interest rate determined?

T Crown Shirt BITCH QUEEN Short Neck Sleeve Letter Printed Round Your interest rate is based on a number of factors including your credit score, monthly income, loan amount, and down payment amount.

What credit score do I need to get financing?

Shift serves customers of all credit profiles, including customers with minimal or poor credit histories. Because our lenders take many factors beyond credit score into account, the only way to know your eligibility is to find a vehicle you like and apply for financing.

Your first loan payment is typically due one month from the day you purchase your Shift car. Your lender will contact you prior to the first payment due date with information about account set up, payment options, and more.

Can I pay my loan off early?

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Letter Printed BITCH Sleeve Neck Shirt Round T Short QUEEN Crown Yes, you can make loan payments (of any amount) prior to your regularly scheduled payment due dates. There is no pre-payment penalty for paying off your loan ahead of schedule.

Will you accept financing from my bank or credit union?

We have worked with outside banks or credit unions in the past. We may be able to work with your preferred lender provided they understand Shift’s unique process and are able to work with us given that:

Shift is not a franchised dealership, and most of our cars are owned by private parties, not Shift.

T QUEEN Neck Round Shirt Letter Printed BITCH Crown Short Sleeve The car’s title will be transferred to the bank after Shift’s 5-day return period is over.

Can I roll the debt from my current car into my new car?

Yes, this is possible. To start, please give us some information about your trade-in by filling out this form.